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Critical Illness Cover

This type of plan pays out a tax-free lump sum if you are diagnosed with a specified 'critical illness' or condition, such as: Multiple Sclerosis,  Parkinson’s Disease or cancer. The cash sum can be used in any way in which you choose, including to help pay off your mortgage. 

Critical illness plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document if you go ahead with a plan.